Modern luxury home at twilight

    Quest Mortgage Services

    Your Path to Home Ownership Starts Here

    Quest Mortgage Services is a Miami-based mortgage broker serving Florida. We help homeowners access equity with HELOCs, self-employed buyers qualify with bank statements or P&L statements, and rental-property investors explore DSCR loans. Frank Herrera helps you compare programs for your situation.

    Soft Pull Credit Report
    640 Minimum Score
    Condos Welcomed

    Meet Your Advisor

    I'm Frank, Your Mortgage Guy

    With over 20 years of experience in the mortgage industry, I've helped thousands of families navigate the complex world of home financing. Whether you're a first-time buyer, self-employed professional, or real estate investor, I'm here to find the right solution for you.

    Based in Miami, FL, I specialize in creative lending solutions including bank statement loans, DSCR loans, and foreign national programs.

    20+

    Years Experience

    5,000+

    Families Served

    Licensed

    NMLS #227613

    10+

    Programs Available

    Frank Herrera - Mortgage Professional

    20+

    Years in the Industry

    Latest Newsletter · October 14, 2026

    DSCR Loans in Florida: How Rental Property Investors Qualify Without Paystubs

    Qualify on your rental's cash flow instead of your paystub. Here's how DSCR loans work for Florida investors — and when they make sense.

    Our Programs

    Mortgage Programs That Work for You

    Profit & Loss Home Loan

    Profit & Loss Home Loan

    Have your accountant prepare a P&L statement — no tax returns needed.

    Learn more about Profit & Loss Home Loan

    No Income Verification

    No Income Verification

    Buy a primary residence without verifying income.

    Learn more about No Income Verification

    Bank Statement Loan

    Bank Statement Loan

    Put as little as 10% down — no tax returns required.

    Learn more about Bank Statement Loan

    Foreign National Loan

    Foreign National Loan

    Home financing solutions for non-U.S. citizens looking to invest.

    Learn more about Foreign National Loan

    HELOCS

    HELOCS

    Tap your home's equity with a line of credit — no refinancing required.

    Learn more about HELOCS
    Google Reviews
    5.0

    Based on 27 Google reviews

    What Our Clients Say

    Don't just take our word for it — hear from homeowners we've helped.

    "Frank helped me throughout the entire refinancing process. His service was outstanding, and he always responded promptly to my questions and concerns. He consistently provided personal, attentive, and professional service. I am extremely grateful for his kindness, understanding, and compassion throughout the process. Frank is truly an exceptional human being, and I highly recommend him!"

    Maria Figueroa

    "(Translated by Google) I want to give a special thank you to Frank Herrera for all his help during the financing process for our home. From the very beginning, he was very professional, attentive, and always available to answer our questions and explain each step clearly. Buying a home is a significant and often stressful process, but Frank made the financing part much simpler and gave us confidence throughout the entire process. He was always on top of things to ensure everything progressed smoothly until closing. We are very grateful for his dedication, patience, and excellent service. I would definitely recommend him to anyone looking for financing to buy a home. Thank you so much, Frank, for helping us make our dream of a new home a reality! (Original) Quiero agradecer especialmente a Frank Herrera por toda su ayuda durante el proceso de financiamiento de nuestra casa. Desde el primer momento fue muy profesional, atento y siempre estuvo disponible para responder nuestras preguntas y explicarnos cada paso con claridad. Comprar una casa es un proceso importante y muchas veces estresante, pero Frank hizo que la parte del financiamiento fuera mucho más sencilla y nos dio confianza durante todo el proceso. Siempre estuvo pendiente de que todo avanzara correctamente hasta el cierre. Estamos muy agradecidos por su dedicación, paciencia y excelente servicio. Sin duda lo recomendaría a cualquier persona que esté buscando financiamiento para comprar una casa. ¡Muchas gracias, Frank, por ayudarnos a hacer realidad nuestra nueva casa!"

    Janay Alfonso de Armas

    "I would like to sincerely thank Frank Herrera for all of his help throughout the financing process for our home. From the very beginning, he was professional, attentive, and always available to answer our questions and clearly explain every step of the process. Buying a home is an important and sometimes stressful experience, but Frank made the financing side much easier and gave us confidence throughout the entire process. He stayed on top of everything and made sure things moved smoothly all the way through closing. We are very grateful for his dedication, patience, and excellent service. I would absolutely recommend Frank to anyone looking for financing to purchase a home. Thank you, Frank, for helping us make our new home a reality!"

    Jorge Carlos Morejón Castro

    "(Translated by Google) Great service and efficient, I highly recommend them, excellent and fast work 👍👌 (Original) Buena atención y eficientes , los recomiendo ampliamente, un trabajo excelente y rápido 👍👌"

    romel duran

    Get In Touch

    Start Your Mortgage Journey Today

    Have a question about buying, refinancing, or which program fits your situation? Reach out for a free consultation — Frank responds personally.

    Office

    3105 NW 107th Ave, Suite 400-H5, Miami, FL 33172

    Request a Free Consultation